SPECIALTY COMMERCIAL PROPERTY
Specialty property insurance, built around the building.
Iconiq provides specialty commercial property insurance through licensed broker partners, combining experienced underwriting with modern building intelligence to better understand complex commercial properties.
01 / OUR APPROACH
Underwriting starts with understanding the property.
Every building tells a different risk story. Construction, age, maintenance, roof condition, exterior materials, occupancy, protection, valuation, surrounding hazards, and prior improvements can materially affect property risk. Iconiq brings those factors into the underwriting process.
Specialized underwriting. Considered decisions. Long-term partnerships.
THE BUILDING
05 / VALUATION
06 / HAZARDS
07 / LOSS HISTORY
08 / MAINTENANCE
02 / UNDERWRITING APPETITE
Built for buildings that require a closer look.
01
Older commercial buildings
Historic and older urban commercial properties may merit focused review of construction, condition and maintenance.
02
Architecturally significant properties
Distinctive structures and architectural details call for a nuanced view of value and exposure.
03
Complex commercial risks
Masonry, concrete and steel construction are preferred; eligibility remains subject to individual underwriting.
Eligibility is subject to underwriting guidelines, jurisdiction, carrier authority, and individual risk characteristics.
03 / BUILDING INTELLIGENCE
Iconiq incorporates building-specific information where available, including exterior and roof condition, materials, age and renovations, aerial and ground imagery, third-party hazard data, replacement-cost information, prior inspections and maintenance indicators.
Visual building-condition information developed through our proprietary software helps our underwriters understand the physical asset more clearly.
UNDERWRITING INFORMATION FLOW
Submission / Property Data / Building Condition / Hazard Intelligence / Valuation / Underwriting Decision
04 / WORK WITH ICONIQ
Built for specialty property brokers.
Iconiq works with licensed insurance brokers and brokerage partners focused on commercial property. Our goal is to provide a specialty solution for buildings that may require deeper underwriting than a standard-market process provides.
SPECIALIZED PROPERTY UNDERWRITING
BUILDING-SPECIFIC RISK ANALYSIS
RESPONSIVE SUBMISSION REVIEW
We work with wholesale brokers and may also appoint select retail brokerage partners where appropriate.
05 / HOW WE UNDERWRITE
A structured path from submission to decision.
01 Submission — The broker provides standard underwriting information.
02 Property Review — Construction, occupancy, protection, exposure and loss history are reviewed.
03 Building Intelligence — Available imagery, roof, condition, hazard, inspection and valuation information is incorporated.
04 Underwriting Decision — Eligibility, pricing, deductibles, terms, coverage structure and loss-control requirements are evaluated.
05 Quote & Bind — Eligible risks proceed through carrier-authorized underwriting and the applicable broker distribution structure.
06 / ABOUT ICONIQ
Insurance expertise meets building expertise.
Iconiq brings together underwriting, actuarial expertise, building inspection, engineering knowledge and technology around a simple idea: better information about the physical asset can support better property underwriting.
Have a risk that deserves a closer look?
Submit the opportunity to Iconiq for underwriting consideration.